we're looking at the energy boom in the country. we're looking at the wireless mobility aspects to technology and we're looking at the -- one other phenomenon is the competitiveness. >> does that bring mom and pop home? >> what will bring mom and pop home ultimately is losing a little bit of money in their bond funds. over $1 trillion in bond funds over the last four years. but if you look at survey work, particularly survey of consumer finance by the federal reserve board, you'll see that people still want to buy equities. that's been true for the survey for the last, you know, 10, 12 years, despite what just happened. most people don't understand this, 35 to 39-year-olds is a cohort of the americans who begin to save for retirement. essentially they get married in their mid-20s, have a couple of kids, and buy the house and then go off to save for retirement and children's education. that group peaked in 2000 in terms of americans, fell since then, turns in 2013, starts to grow and it will be bigger than the baby boom is over the n